Gold Loans

Best of BS Opinion: FinMin offers sobering view of macroeconomic risks

From rising oil-linked risks and services data gaps to gold loan expansion and global capital flows, here are the key insights from Business Standard's Opinion page

Gold loans: Reading the growth right

The portfolio can glitter only if backed by prudence

Piramal Finance eyes 25% AUM growth, 50% profit rise by FY27 end

Piramal Finance expects strong growth in AUM and profits by FY27, while planning stake sales in non-core businesses and expanding its rural lending and branch network

Understanding How Gold Valuation Is Determined for Gold Loans

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Gold loan boom sees early stress; delinquencies rise with borrower leverage

Rapid expansion has made gold loans the second-largest retail credit segment, but rising borrower leverage and repeat borrowing patterns are prompting calls for tighter regulatory oversight

Sammaan Capital aims to be among top 3 NBFCs with AUM focus: CEO

Backed by International Holding Company, Samman Capital aims to transform into a diversified NBFC and enter India's top three by AUM by FY29

Margin calls in gold loans: Avoid borrowing over 50-60% of pledged value

Maintain a liquidity buffer in case you get a margin call due to falling gold prices

Gold loan industry body seeks six-month deferment of RBI's new norms

The new framework, which is scheduled to come into effect on April 1, 2026, aims to strengthen regulatory oversight and promote responsible lending practices in the gold loan segment

Gold loan disbursements surge 94% in Q3FY26: Equifax Retail Insights

Gold loan disbursements nearly doubled in Q3 FY26 as borrowers favoured gold-backed credit, with NBFCs leading growth and PSBs contributing the largest share, Equifax data shows

Gold loans drive 42% surge in secured lending in Q3FY26: Experian

Experian data shows secured loans growing 42% in Q3FY26, led by strong demand for gold loans, even as unsecured lending rebounded and home loans maintained steady momentum

Gold loans pip personal loans in retail segment in Q3FY26, shows data

Gold loans overtake auto loans as the second-largest retail segment, with rapid growth driven by soaring gold prices and rising borrower demand

From locker to loans: 90% surge in gold financing leads India's credit boom

Higher-ticket loans show better credit performance compared to small-ticket loans.

Small finance bank label a key hindrance for expansion, say experts

With clearer RBI norms, easing microfinance stress and digital-first models, small finance banks are set for steady growth and deeper reach among underserved customers

Gold-loan NBFCs' AUM to cross ₹4 trillion by FY27: Crisil report

Assets under management of non-banking financial companies specialising in gold loans are set to log a compound annual growth rate (CAGR) of about 40 per cent between this fiscal and next, surpassing Rs 4 lakh crore by March 2027, a report said. The surge will be driven by elevated gold prices, a shift towards secured credit and an evolved regulatory environment, outpacing the CAGR of 27 per cent clocked between fiscals 2023 and 2025, said the report by Crisil Ratings. Gold prices soared about 68 per cent in the first nine months of this fiscal year to an all-time high. "This enhances collateral values, enabling lenders to scale up disbursements," it said. Furthermore, amid the limited availability of credit from segments such as unsecured lending, borrowers are looking for other sources of funding. To capitalise on these lending opportunities, gold-loan NBFCs (both large and mid-size ones) have been expanding their market presence, despite stiff competition from banks, Crisil Rati

Gold loan: Avoid maxing out on loan limit, maintain 20% valuation buffer

EMI-based repayment steadily reduces the principal and lowers LTV, offering better protection against price volatility than the bullet option

Gold loans, fee income to power Capri Global; JM Financial starts coverage

JM Financial said the non-bank lender's diversified retail-focused franchise, strong asset quality and expanding non-interest income engine position it well for sustained growth.

Gold-price volatility likely to cap gains for Muthoot Finance's stock

Muthoot Finance posted robust Q2FY26 earnings driven by higher gold prices and strong AUM growth, but analysts flag risks from yield pressure, NIM compression and regulatory uncertainty

Gold loan or gold overdraft? Know the smarter way to borrow against gold

Gold loans offer structure, overdrafts offer flexibility. Here's how to pick the smarter way to borrow against your gold.

Muthoot, Manappuram Fin shares fall as much as 5% as gold prices retreat

Muthoot Finance shares have risen 47 per cent so far this year, while Manappuram Finance was up 48 per cent

RBI tightens gold loan rules: What changes in repayment, valuation, auction

Regulatory changes seek to ensure more discipline, transparency and protection for borrowers